Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$332,509Cash toward the purchase price.
Closing costs + prepaids$12,121Not just lender fees.
Before credits & paid funds$344,630The complete starting cash picture.
Estimated remaining funds due at closing
$344,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,509.32
Your down payment$332,509.32
Closing costs + prepaids$12,120.58
Total buyer cash needed$344,629.89
Remaining funds due$344,629.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (27 days)$465.58
Fees + prepaids$12,120.58
Your down payment is the seller’s equity. You take over the $167,391 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $344,629.89 is due at closing. Uses and sources reconcile at $512,020.58 each. Not a Closing Disclosure.